Find the interest rates earned on each of the following. Round your answers to the nearest whole number.

1. You borrow $700 and promise to pay back $756 at the end of 1 year.

   %

2. You lend $700 and the borrower promises to pay you $756 at the end of 1 year.

   %

3. You borrow $62,000 and promise to pay back $495,227 at the end of 14 years.

   %

4. You borrow $18,000 and promise to make payments of $4,390.00 at the end of each year for 5 years.